Funds within minutes
Every sale settles to your Polygon wallet in stablecoins within minutes, so you're not left waiting days on a bank transfer to access your money.
High-risk processing for RUO companies
Your customers pay by card. You get paid in stablecoins.
Card-to-crypto processing built for high-risk research use only (RUO) businesses. Customers check out with their cards on PayPal, Cash App and Venmo. BBWholesale settles every sale to your wallet in stablecoins on the Polygon network, with funds arriving within minutes instead of days.
Minutesto receive funds
Same dayapproval
Hoursto go live
4%per transaction
High-risk processing
Built for high-risk RUO companies
Research use only (RUO) businesses are often labeled high risk and turned away by traditional processors. BBWholesale was built specifically to process payments for them.
Traditional processors
- Long underwriting, frequent declines for RUO products
- Accounts reviewed, frozen or closed with little warning
- Payouts that take days to reach your bank
- Support that doesn't understand the RUO market
BBWholesale
- High-risk RUO merchants are who we serve, not an exception
- Same-day approval and setup within a few hours
- Funds in your Polygon wallet in stablecoins within minutes
- Support and compliance updates from a team that knows RUO
How it works
Card on the front end. Crypto on the back end.
Your customers use the payment apps they already have. You get your money within minutes, not the days a traditional bank payout takes.
Customer pays by card
Shoppers check out on your site with their debit or credit card through PayPal, Cash App or Venmo.
We process the payment
BBWholesale handles the card processing and converts the sale into stablecoins.
You get paid in minutes
Stablecoins land in your Polygon wallet within minutes of the sale, paid in a dollar-pegged digital asset.
Why BBWholesale
Built to get you processing fast
No drawn-out underwriting, no being turned away for selling RUO products, no opaque rate sheets. Get approved, connect your store and start accepting payments.
Same-day approval
Apply in the morning and get your approval decision the same day.
Set up within hours
Once you're approved, we can have your checkout live within a few hours, not weeks.
Easy-to-reach support
Talk to real people who know your account. No phone trees or ticket queues.
WooCommerce plugin
Install our plugin, add your credentials and start accepting payments on your WooCommerce store.
Custom website APIs
Running a custom build? Plug our API straight into your own checkout flow.
Straightforward pricing
A $100 monthly network fee plus 4% per transaction. That's the whole price sheet.
Pricing
Two numbers. That's it.
Know exactly what you'll pay before you sign up.
$100
per month
network fee
network fee
4%
per
transaction
transaction
- Card payments through PayPal, Cash App and Venmo
- Stablecoin payouts on Polygon, in your wallet within minutes
- WooCommerce plugin and custom website APIs
- Same-day approval and setup within hours
- Direct access to our support team
- Membership: wholesale pricing on 60+ SKUs, by the vial, with 3PL and dropshipping. See membership benefits
Monthly card volume
$25,000
Transaction fees (4%)$1,000
Network fee$100
Total monthly cost$1,100
Your payout in stablecoins$23,900
Estimate only. Excludes any blockchain network gas or wallet fees outside BBWholesale.
Integrations
Works with your store, however it's built
Use our WooCommerce plugin for a no-code setup, or connect any custom website through our API.
WooCommerce plugin
REST API
Polygon payouts
// Example: create a checkout session
const session = await fetch("https://api.bbwholesale.example/v1/checkout", {
method: "POST",
headers: { Authorization: `Bearer ${API_KEY}` },
body: JSON.stringify({
amount: "149.00",
currency: "USD",
payout_network: "polygon",
order_id: "WC-10432"
})
});
FAQ
Common questions
Do you work with high-risk RUO companies?
Yes. That's who we built BBWholesale for. Research use only (RUO) businesses are often declined or dropped by traditional processors, and our processing is set up specifically to serve them.
I've been declined or shut down by another processor. Can I still apply?
Yes, you can apply. Being declined elsewhere doesn't rule you out. Book a consult and tell us about your business, and we'll give you an approval decision the same day.
How do my customers pay?
Customers pay with their debit or credit card through PayPal, Cash App or Venmo, the apps many of them already use every day.
How do I get paid?
You get paid in stablecoins sent to your wallet on the Polygon network. Stablecoins are pegged to the US dollar, so you avoid typical crypto price swings.
How fast do I receive my funds?
Within minutes. Once a customer's payment goes through, the stablecoins are sent to your Polygon wallet within minutes, not the days a typical bank payout takes.
How fast is approval?
Approval happens the same day. Once you're approved, we can usually get your setup finished within a few hours.
What does it cost?
There's a $100 monthly network fee and 4% per transaction. Use the calculator above to estimate your monthly cost.
Does it work with my website?
If you use WooCommerce, install our plugin. For anything else, our custom website APIs connect to your checkout. Not sure which fits? Book a consult and we'll walk you through it.
How do I reach support?
Our team is easy to reach. Merchants get direct access to support for setup, integration and account questions.
Free email updates
Get the RUO Compliance Brief
Rules in the research use only market change quickly. Get a short email when something important changes, so you hear about it early.
Ready when you are
Start accepting cards today
Processing built for high-risk RUO companies. Get approved the same day, go live within hours, and receive your funds within minutes of every sale.